What is Bankruptcy?

Navigating the bankruptcy process can be a daunting undertaking process for anyone.  Before filing a bankruptcy case, you should analyze your eligibility for different forms of debt relief available under the Bankruptcy Code and which form of relief is most likely to be beneficial for you. Be sure you understand the relief you can obtain and its limitations. We will prepare your bankruptcy petition, schedules, statement of financial affairs and, In some cases a Statement of Intention. We will also file the petition with the bankruptcy court. You will have to pay a filing fee to the bankruptcy court.  

Chapter 7 bankruptcy forces you to liquidate a great many assets to repay creditors. But the process can be concluded relatively quickly, and any wages and property you acquire after the bankruptcy filing, except inheritances, aren’t subject to distribution to your creditors. Typically, the entire process is completed within six months.

Chapter 7 has disadvantages.  Lenders who have already filed to foreclose on your home are only temporarily stalled, and other debts such as mortgage liens can be collected after the case is concluded. Cosigners on your debt are still obligated to pay. In addition, you have to meet the Chapter 7 income to qualify.

Seeking Chapter 13 protection allows you to keep all your property. It simply extends the amount of time you have to repay what you owe after the bankruptcy court issues its ruling. It is possible to file a Chapter 13 bankruptcy after a Chapter 7 is completed, allowing you to seek a reduction in whatever debts remain from a Chapter 7 discharge.

Chapter 13 also protects your loan cosigners against collection efforts if the bankruptcy settlement obligates you to repay the debt yourself. If you need to file a second bankruptcy, Chapter 13 is only a two year waiting period versus eight years for Chapter 7.

There are disadvantages to Chapter 13 bankruptcy as well. Legal fees can be higher in Chapter 13 cases than Chapter 7 cases and your obligation to repay can last for years. In Chapter 7, the Chapter 7 discharge ends most debt obligations.

We will prepare the following:

• Chapter 7 Petition
  • Schedules
  • Statement of Financial Affairs
  • Statement of Intention

• Chapter 13 Plan
  • Creditors list with amount
  • Repayment plan

An advance directive is a set of instructions that outlines your health care wishes. It, too, is used when severe medical situations occur and you’re not able to communicate your wishes. Unlike the living will, however, an advance directive isn’t limited to terminal illness. It may also include medical events such as dementia, stroke or coma. 

Let’s begin with the living will, which is a type of advance directive. This written document outlines your health care wishes for end-of-life care if you become terminally ill and cannot make these decisions on your own. It tells your medical providers the medical treatments you may or may not want if you’re permanently unconscious or at the end of a terminal illness, including how long you want your life prolonged. It might also include your religious preferences. 

Small Claims Service

Assist clients in pro per to draft, file & serve all documents for Small Claims and Civil Court

• Judgment recovery services available

Divorce filing can be an emotionally, financially and draining experience.  Disentangling the life you built with your former spouse is never easy. In addition to all the issues involved in dividing your property, you may also need to worry about childcare, living arrangements, and the difficulties of starting over. 

Process Service Packages:

Standard $125 (4 attempts, 7 days)

Expedited $250 (4 attempts, 3 days)

Same Day Services $375 (documents received before 1pm)

Posting with 48 hours $75

Unlawful detainer cases are fast-track court proceedings. They are primarily used by landlords to evict non-paying tenants or tenants who have materially breached the terms of the lease. However, before filing a lawsuit for unlawful detainer, landlords must properly serve the tenant with a written notice that explains why the tenant is being evicted.